Concord, New Hampshire: natural disaster risk
How exposed Concord is to floods, storms and other hazards, from FEMA and NOAA records for Merrimack County.
Concord is a city of 44,375 people in Merrimack County, New Hampshire. FEMA's National Risk Index rates Merrimack County relatively low for natural hazards overall, lower than most of the US. The costliest hazards there are inland flooding, hurricane and tornado, with about $48.8 million in expected losses a year across the county. The weather service has logged 474 storm reports in the county since 1962, including 7 tornadoes and 102 floods. NOAA hurricane records show 2 hurricanes and 17 tropical storms passing within 65 miles of the county's center. About 0.8% of homes in the county carry federal flood insurance.
Risk figures are for Merrimack County. FEMA National Risk Index December 2025; NOAA Storm Events; US Census Bureau ACS 2020 to 2024. Updated November 6, 2026.
Top risks in Concord
Full Merrimack County report ›- Check the FEMA flood map for your address, and ask the seller or landlord about past flooding.
- Price a flood policy now. Most new federal policies take 30 days to start.
- Know your evacuation zone and route before June 1.
- Ask about roof age, shutters and the separate wind or hurricane deductible on your home policy.
- Pick a shelter spot: a basement, or an inside room on the lowest floor with no windows.
- Turn on emergency alerts on your phone and keep a weather radio.
All hazards
| Hazard | Rating | A year |
|---|---|---|
| Inland flooding | $34M | |
| Hurricane | $4M | |
| Tornado | $2M | |
| Earthquake | $2M | |
| Lightning | $1M | |
| Cold wave | $1M | |
| Heat wave | $1M | |
| Ice storm | $1M | |
| Strong wind | $748K | |
| Drought | $329K | |
| Winter weather | $268K | |
| Hail | $202K |
Homes in Concord
Older homes and mobile homes usually take more damage in storms, floods and earthquakes. Ask about roof age, flood history and retrofits before you buy or rent.
Strongest tornadoes in Merrimack County
Other cities in New Hampshire
All ›Common questions about Concord
Is Concord safe from natural disasters?
Concord is in Merrimack County, which FEMA's National Risk Index rates relatively low overall, lower than most of the US. The biggest hazards are inland flooding, hurricane, tornado. No place is free of risk, so check the flood map and insurance for any home you consider.
What natural disasters happen in Concord?
By expected yearly losses in Merrimack County, the top hazards are inland flooding (Moderate), hurricane (Moderate), tornado (Low). Merrimack County has been part of 27 federal disaster or emergency declarations for natural events.
Does Concord get tornadoes?
Yes. NOAA records list 7 tornadoes in Merrimack County since 1950; the strongest was an EF2 tornado on July 24, 2008 near Epsom. FEMA rates tornado risk in the county low.
Do I need flood insurance in Concord?
Standard home insurance does not cover floods. In Merrimack County, about 0.8% of homes have federal flood insurance, and FEMA rates inland flooding risk moderate. Check the FEMA flood map for your address and get a quote even outside a high-risk zone.